| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2500 E ENTERPRISE AVE, STE D APPLETON, WI 54913 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $25K | $30K | 3.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.54% |
| STUMM INSURANCE LLC3 | 4320 WINFIELD RD, STE 530 WARRENVILLE, IL 60555 | UNITEDHEALTHCARE INSURANCE COMPANY | $363 | $2K | $2K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL, STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.23% |
| JEROD THOMAS SPAETH3 | 330 EAST KILBOURN AVENUE, STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $6K | $2K | $8K | 11.29% |
| LUEDER FNCL GRP LLC3 Filed as: LUEDER FINANCIAL GROUP LLC | 330 EAST KILBOURN AVENUE, STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $149 | $1K | 2.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD, STE 202 WAUKESHA, WI 53188 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.24% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $922K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $922K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $922K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $44K |
| Short-term disability | NORTHWESTERN MUTUAL | 123 | $69K |
| Long-term disability | NORTHWESTERN MUTUAL | 123 | $69K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $922K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.